Your work adds up.Settl makes it count.

Settl turns your freelance income and the bills you pay on time into a credit score lenders can read. No payslip needed.

Reads income from the platforms you already use

See your score the way lenders will.

settl
The Settl app showing a Settl Score of 829, rated Excellent

The loan form asks for a payslip.You don't have one.

Your income is real. It just doesn't fit the boxes a bank expects.

Loan applicationStep 2 of 3
Payslip Required
No payslip to upload
Employer letter Required
No employer
EPF records Required
Not on EPF
Application can't continue
What you do have
Income every month
  • Steady payments from clients abroad
  • Repeat clients and strong reviews
  • Years of bills paid on time
Settl scores this instead.

Your income and your bills.One score.

Settl reads what you earn and how reliably you pay, then turns both into a single number a lender can trust.

Income

Where you get paid

Last 6 months
  • PayPal
  • Payoneer
  • Fiverr
  • Upwork
  • Wise

Reliability

Bills you pay on time

Last 12 months
  • Electricity
  • Water
  • Phone and internet
35/36payments on time
Your Settl Score
829Excellent

Ready to share with any lender you choose.

Three steps.A few minutes.

No paperwork and no branch visit. Everything happens from your phone or laptop.

  1. PayPalIncome
    PayoneerIncome
    ElectricityBill
    1

    Connect

    Link the accounts you get paid into and the bills you already pay.

  2. Monthly incomeTracked
    2

    Track

    Settl follows your income and payments month by month, so your score keeps up with you.

  3. Settl Score
    829Excellent
    STL-2026-2F2CF0
    3

    Score and share

    Get your Settl Score, then share your Settl ID with the lender you choose.

Recognised by Sri Lanka'sstartup community

The Settl team at Ideasprint 2026
1st runners-up

Ideasprint 2026

Where Settl was first pitched.

See a score built, start to finish.

A 15-minute walkthrough for lenders and partners, from sign-up to Settl Score.

Questions, answered.

No. Settl gives you a credit score. We never lend money or approve loans. The lender makes its own decision.

Nothing for freelancers. Lenders pay when they check a score.

Only a lender you share your Settl ID with. They see your score, never your transactions.

No, it works alongside it. A lender can read your Settl Score next to your CRIB report.

Just your name and contact details. We won't ask for any account access until you create your score.

We're bringing on our first lending partners now. Join the waitlist and you'll hear the moment one goes live.

Something else on your mind? Email us at randeshdaluwatte@gmail.com

The people behind Settl

We're building the score we wished existed.

Portrait of Damidu Herath

Damidu Herath

Business and Market Research
Portrait of Randesh Daluwatte

Randesh Daluwatte

Strategy and Governance
Portrait of Shehan Nimsara

Shehan Nimsara

Technology and Product

Let your stories add up.

Join the waitlist and be first in line when lenders start accepting Settl Scores.